Charges applied to the main banking services and transactions for professional use (PDF) as of 1/01/2026 till 30/06/2026
Fee Information Documents :
ING Green Account (PDF) as of 01/01/2026 till 30/06/2026
ING Green Account 18-25 year old (no longer marketed since 01/01/2016) (PDF) as of 01/01/2026 till 30/06/2026
ING Do Basic Pack (PDF) as of 01/01/2026 till 30/06/2026
ING Do More Pack (PDF) as of 01/01/2026 till 30/06/2026
ING go to 18 Account (PDF) as of 01/01/2026 till 30/06/2026
ING basic bank service account (PDF) as of 01/01/2026 till 30/06/2026
ING Account under administration (PDF) as of 01/01/2026 till 30/06/2026
List of the most representative services linked to a payment account (PDF)
Document:
"}},{"title":"Loans","richBody":{"value":"Documents:
"},"textLinks":[{"url":"https://assets.ing.com/m/ba758d5489add7fa/Bareme_CH_FR.pdf","text":"Mortgages: Overview interest rates and monthly repayments (PDF - FR)"},{"url":"https://assets.ing.com/m/da24ea745ab7428e/original/Tarievenblad_EN.pdf","text":"Consumer Credit Rates (PDF)"}]}]},{"componentType":"sectionTitle","title":"Information and regulations"},{"componentType":"accordion","accordionList":[{"title":"In general","richBody":{"value":"General information regarding ING Belgium and its services (PDF)
Information about ING Belgium’s conflict of interest policy (PDF)
General Information regarding Accounts, Digital Channels and Cards (PDF)
Special Regulations for Payment Transactions (PDF) - valid as of 1 October 2025
General Conditions :
ING Debit Card (PDF) - valid as of Jan 1st 2026
ING Mastercard Business Credit Card for Legal Entities (PDF)
Information documents about the insurance linked to credit cards (IPID):
"}},{"title":"Saving","richBody":{"value":"
Terms and Conditions :
Best Execution
The MiFID legislation will ensure even greater transparency and provision of information in relation to investments as of 3 January 2018. To achieve this goal, ING Belgium provides you with the following documents concerning the best execution of your orders which you can consult here below:
SFDR - Sustainable Finance Disclosure Regulation
The aim of the SFDR is to provide more transparency on sustainability within the financial markets in a standardised way. To achieve this goal, ING Belgium provides you with following documents:
ING policy and disclosures on sustainability risks and characteristics (PDF)
Principle Adverse Impact Statement for Financial Market Participant (FMP) (PDF)
Principle Adverse Impact Statement for Financial Advisor (FA) (PDF)
Policy of conflict of interest :
"}}]},{"componentType":"sectionTitle","title":"Deposit guarantee"},{"componentType":"paragraph","title":"Protection of deposits and financial instruments","richBody":{"value":""}},{"componentType":"accordion","accordionList":[{"title":"Introduction","richBody":{"value":"Your deposits and financial instruments at ING are well protected. Subject to specific conditions and within certain constraints, you are entitled to repayment in the event that anything should go wrong.
Two funds have been set up for this purpose: the Guarantee Fund for Financial Services and the Protection Fund for Deposits and Financial Instruments.
You will find a brief description of the scheme below.
"},"textLinks":[{"url":"https://www.fondsdegarantie.belgium.be/en","text":"the Guarantee Fund"}]},{"title":"Deposits protection information sheet","richBody":{"value":"Document :
"},"textLinks":[{"url":"https://assets.ing.com/m/caa49fe207460e38/original/deposits_protection_EN.pdf","text":"Information about the protection of deposits (PDF)"}]},{"title":"When are you entitled to compensation?","richBody":{"value":"You are entitled to compensation only:
All private individuals and businesses, companies or associations are entitled to compensation.
Government bodies, credit and financial institutions, investment companies, etc. should not count on receiving compensation for their deposits.
Neither are depositors who have not identified themselves properly with the bank eligible for compensation.
The protection scheme applies for each customer individually, regardless of this customer's nationality, place of residence or registered office.
"}},{"title":"Which deposits and financial instruments are covered?","richBody":{"value":"1. Deposits
All types of deposits in current accounts, savings accounts, term accounts, cash accounts (e.g. ING Lion account, ING Savings account, ING Term account, ING Invest account, ...), the cash certificates emitted by ING Belgium NV/SA or by Record Bank, regardless of the currency.
ING ELIGIBLE PRODUCTS FOR DEPOSIT PROTECTION
Current Accounts |
|
|---|---|
ING Lion Account | Mediation Account |
ING Green Account | Bankruptcy Account |
ING go to 18 Account | Consignment Account |
IING Basic Bank Service Account | Third-party Lawyer's Account |
Account under administration | Notary public Account |
ING Corporate Plus Account | Notary public sub-Account |
ING Professional current Account | Third-party Notary public Account |
Third-party Real Estate Agent Account | Third-party Bailiff Account |
Case Account | Legal attachment Account |
Savings Accounts |
|
| ING Orange Savings Account | ING Long Term Account |
ING Lion Deposit | ING Fidelity Account |
ING Term Account | ING Thematic Citizens' Lending |
ING Tempo Savings | ING FlexiBonus Account |
ING Savings Account Pro | ING Savings Account |
Other Accounts |
|
ING Managed current Account |
|
Term Account linked to a Relax Plan |
|
ING Invest Account |
|
ING Business Account |
|
Virtual Bank Account |
|
Others |
|
Cash Certificates (ex Record Bank) detained on an ING Securities Account |
|
| Cash Certificates ING Belgium SA/NV detained on an ING Securities Account | |
Cash lines detained on an ING Securities Account |
|
Deposit Taken |
|
2. Financial instruments
All financial instruments (e.g. including shares, bonds, units in mutual investment funds, Beveks/Sicavs, etc. issued by other financial institutions or persons) insofar as they are lodged with ING, are held in custody in a public financial institution or have been dematerialised.
These financial instruments are, however, not included in the assets subject of distribution if the bank goes bankrupt or is wound up. They are returned to customers directly.
If there are insufficient quantities of certain financial instruments to ensure redemption, financial instruments of the same type of which ING itself is the owner will be used to settle the redemption. This rule applies to everyone, natural persons and companies included.
In the unlikely event that ING is unable to deliver or return the financial instruments, the protection scheme will cover these financial instruments, regardless of the currency in which they are denominated.
"}},{"title":"Which deposits are not covered?","richBody":{"value":"The coverage does not apply to:
1. Deposits
The maximum repayment amount per customer is, principally speaking, EUR 100,000.
An increased protection up to a maximum of 500,000 EUR applies with regard to deposits related to the purchase/ sale of a private property for residential use of the depositor / physical person.
There is also an increased protection up to a maximum of 500,000 EUR for deposits resulting of the payment of capital arising from retirement or death, severance or disability payments, insurance payments, as well as from the payment of compensation awarded to victims of criminal offences or miscarriages of justice, regardless of the nature of the damage.
Sums acquired through an inheritance are not subject to this additional protection.
A time limit applies to this increased protection. She applies only for six months, counting from the day the amount has been credited to the account or from the moment these deposits can be legally transferred.
2. Financial instruments
The maximum repayment amount with regard to missing financial instruments per customer is EUR 20,000.
"}},{"title":"How is this calculated?","richBody":{"value":"1. Deposits
No excess applies to this system.
To calculate the redemption amount, all assets belonging to one and the same holder are added up together. The customer's obligations or debts the vis-à-vis ING are deducted from this. This sum is therefore not calculated per product, but per holder of the deposits. Every member of a family will be taken into consideration individually with regard to the deposits of which he or she is a holder.
The sum total is subsequently converted into euros and, if applicable, limited to the amount of EUR 100,000.
The intervention takes place following deduction of any payable debts owed to ING.
What happens if there are multiple account holders?
If such an account is held by at least two persons, repayment will be granted proportionally for the assets held on those accounts based on the share to which each of the account holders is entitled individually. If no proof can be given of the contrary, the entitled parties will be deemed to be entitled to equal shares.
And what happens if there is an account to which different people can assert a right as members of an association, a group or joint ownership of the account without legal personality?
If the identity of these persons can be confirmed, the repayments will take place proportionately to the share to which each of them is entitled. If this share cannot be determined, each of the entitled parties is deemed to be entitled to an equal share. If the identity of these persons can, however, not be confirmed, the assets on the relevant account will be deemed as belonging to a single holder.
Further details related to deposit guarantee can be obtained on the website of the Guarantee Fund: the Guarantee Fund.
2. Financial instruments
When calculating the compensation for financial instruments that cannot be returned their value is determined at market value. The market value for listed financial instruments is determined on the basis of the average price on the last day on which they were listed prior to the day on which the institution is ascertained to be in default. If the market value is not known, the debt securities will be based on the repayment value, increased with the interest accrued. If neither the market nor the repayment value can be determined, the fund will base its calculation on the estimated recoverable amount. The value will always be calculated on the day preceding that on which the institution is ascertained to be in default. The account holder's obligations or debts vis-à-vis ING will be deducted from the total amount.
The rules that will apply in the event that the security accounts are held by multiple account holders are comparable to those applied to the compensation of deposits.
Further details on the protection of financial instruments can be obtained on the website of the Protection Fund:
"},"textLinks":[{"url":"https://www.fondsdegarantie.belgium.be/en","text":"the Guarantee Fund"}]},{"title":"Who will pay you back?","richBody":{"value":"1. Deposits
The compensation will be paid out by the Guarantee Fund for Financial Services (the Guarantee Fund), a special administrative unit of the Federal Public Service for Finance General Treasury Administration, Handelstraat 96, 1040 Brussels.
2. Financial instruments
The compensation will be paid out by the Protection Fund for Deposits and Financial Instruments (the Protection Fund), a public institution with legal status that was founded to facilitate the management of the protection scheme for deposits and financial instruments, and which is administrated by the General Treasury Administration, Handelsstraat 96, 1040 Brussels .
"}},{"title":"How will you be paid back?","richBody":{"value":"1. Deposits
Account holders wishing to claim compensation must provide the Guarantee Fund their account number(s), either via Myminfin or through a paper form that will be available for downloaded on the Guarantee Fund website from that point in time at which the bankruptcy or default has been ascertained onwards.
The Guarantee Fund will make automatic payment within 7 business days following your application.
2. Financial instruments
You will find contact information with regard to the redemption of financial instruments on security accounts on the website of the Protection Fund.
"},"textLinks":[{"url":"https://www.fondsdegarantie.belgium.be/fr","text":"the Guarantee Fund"}]}]},{"componentType":"sectionTitle","title":"Other language :"},{"componentType":"paragraph","richBody":{"value":""},"textLinks":[{"url":"/en/business/payments/gebuhrenregelungen-und-bedingungen","text":"Click here for the German version"}]},{"componentType":"paragraph","title":"German documents:","richBody":{"value":""},"textLinks":[{"url":"https://assets.ing.com/m/31106db41d60a1bf/original/GeneralRegulationsDE.pdf","text":"Die Gebührenregelungen und Bedingungen auf Deutsch anzeigen (PDF) (A German translation of this text will be made available for informational purposes only. Please note that the German version is not yet ready and will be published as soon as possible.)"},{"url":"https://assets.ing.com/m/383a56b651e39d85/original/GeneralRegulationsFutureDE.pdf"}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Any questions?","intro":"Find out more!","image":{"transformBaseUrl":"https://assets.ing.com/transform/20f1c7c4-c7c1-4be5-a1b1-095f57a89efc/Pencil-bubble_Outline_RGB","type":"image","width":267,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/4881bcedb44bebe7/original/Pencil-bubble_Outline_RGB.png","extension":"png"},"link":{"url":"/en/business/services"}}]}]}}}